Examples are coverage for lost rents after a covered loss renders the rental uninhabitable, and liability if a tenant holds you responsible for injuries. Not only do we offer competitive landlord insurance rates on long-term rentals, we can also insure short-term rentals. We access insurers brokers cannot, and often offer superior premiums and coverage.
As a rental, your home or condo is essentially a business, and therefore requires special coverage.
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Insurers We Work With
We work with a variety of Insurers but here are a few of our most popular.
Available Landlord Insurance Coverages
Dwelling coverage covers your home and anything permanently attached to it. Coverage under landlord insurance is based on a replacement cost valuation.
Separate structures coverage covers detached garages, accessory dwelling units, sheds, and fences. For landlord insurance, coverage is based on the value of the separate structures.
Loss of rents coverage replaces lost rental income after your rental is rendered uninhabitable after a covered loss. Coverage under landlord insurance is based on rent collected and the time it might take to rebuild.
Liability coverage protects you financially if held responsible for injuries sustained on your property. We recommend liability limits under landlord insurance of at least $300,000.
Extended replacement cost coverage, available under a landlord insurance policy, increases coverage for the dwelling, which can be helpful if building costs increase unexpectedly. For ERC coverage to apply it is important to notify your agent of any remodels.
With our easy process, you can rest assured knowing that you are getting the best value and most coverage for your home in Greater Seattle.
Collect the bare minimum information.
Present a quote, including all available discounts.
Offer recommendations to improve coverage or lower premium.
Bind coverage and provide insurance documentation.